Zhang Feifei has a shallow amount of alcohol, has little experience in the wine field, and does not know how to block wine, how can he be the opponent of these wine industry veterans. Under the persuasion of everyone, in less than an hour, three cups of Moutai were drunk, drunk and staggered, but Zhao Dagang had long been accustomed to it, talking and laughing with everyone, and eating a meal was not happy.

"Mr. Luo, I'...... Where else are we going to investigate in the afternoon?" Zhang Feifei couldn't say clearly. Luo Dacheng smiled, "Manager Zhang is working too hard today, go to have a foot massage in the afternoon to relax, and wait until you sober up." ”

Zhang Feifei said no, and insisted on doing an on-site investigation. Coming out of the sea of clouds, when I saw the wind, I was suddenly dizzy and swollen, and the sky was spinning, and I vomited wildly in front of the flower pond. Luo Dacheng and Zhao Dagang hooked shoulders, and the three of them went to Liangzi foot massage together.

When Zhang Feifei woke up from the foot massage shop, it was already half past five in the afternoon, and he said that it was bad, and he came to the hall with his head covered.

Luo Dacheng and Zhao Dagang were drinking kung fu tea, and when they saw Zhang Feifei coming, they said with a smile, "Manager Zhang is really a good amount of wine, and he singled out the four of us at noon, which made us wine veterans ashamed." It's really a talented person from generation to generation, and the back waves of the Yangtze River push the front waves!" he said, gave up a seat, and made a bowl of tea for Zhang Feifei.

Zhang Feifei was thirsty, so he took a sip and drank it all, "It's going to be a bad thing, these loan customers haven't completed the on-site investigation and taking pictures, and President Gu has to go to the meeting on the weekend!"

Luo Dacheng said with a smile, "It's okay, it's all here in our Qianniu Town, where can Manager Zhang go home empty-handed." As he spoke, he took out a USB flash drive from his bag and handed it to Zhang Feifei and said, "In the afternoon, I have arranged for the company's people to go to the farmer's house to take the photos, and number them according to your requirements, and you can use them." ”

Zhang Feifei was hesitating, and Wang Chong called in, "How is it, how is the situation of the on-site investigation?"

Zhang Feifei said, "It's still going on, I'm afraid it's going to be very late to go back." But don't worry, no matter what, I will also complete all the on-site investigation today. ”

"Do you need me to wait for you?"

Zhang Feifei hurriedly said, "No need, this is the first loan I have completed independently after joining the company, and I will complete the task with quality and quantity!"

"Well, remember, don't eat the customer's meal. If you have to eat, remember to pay the bill and come back to me for reimbursement. ”

A meal at noon cost five or six thousand yuan, which was almost worth a month's salary of Zhang Feifei, how dare he tell the truth, and hurriedly agreed. As soon as he hung up the phone, Gu Tiande called again, "Xiao Zhang, I heard that you had dinner with a customer at noon?"

Zhang Feifei glanced at Zhao Dagang, could it be that Zhao Dagang sued? But it shouldn't be, he didn't drink less of this meal, it should be someone else who reported to Gu Tiande, Zhang Feifei had to say, "President Gu, eat casually at noon." ”

Gu Tiande advised, "This customer is a key enterprise in our district, and the leaders in the district have also taken special care of it, you must do your best when doing the investigation, if there are some flaws, you can try your best to help, remember, you can't take cards from customers!

"The photos were not taken completely, and the customer helped to take some of them. ”

Gu Tiande said, "Then let's start as soon as possible, you prepare the PPT of the loan review meeting, and strive to have a meeting tomorrow afternoon!"

"President Gu, are you a little anxious? I'm afraid that I won't be fully prepared. ”

Gu Tiande said unhappily, "When young people encounter difficulties, they have to find a way to solve them, instead of blindly retreating, can they do it?"

Zhang Feifei sweated down, "Yes, I must report it on time!"

Luo Dacheng showed a smile on the corner of his mouth, and said to Zhang Feifei, "Manager Zhang, you see it's almost six o'clock, let's go to dinner first! I have to ask Manager Zhang for help with this loan!" Zhang Feifei said that I don't dare to eat, and I have to go back to work overtime to get information, and I will talk about the meal later.

He took the USB flash drive in Luo Dacheng's hand, and returned to the bank with Zhao Dagang to prepare supplementary information and PPT for tomorrow's loan review meeting. When he arrived at the door, Zhao Dagang parked the car next to his car, opened the trunk, there were two boxes of Feitian Moutai in it, he moved one box and put it on his car, and said to Zhang Feifei, "This Luo Dacheng is such a big deal, as soon as he makes a move, it is two boxes of Moutai, more than 20,000 yuan!"

Zhang Feifei asked, "How can we ask for something from a customer?"

Zhao Dagang said, "Do you do our business, do you really expect to live on the performance of the loan, then you have to drink the northwest wind every day?"

Zhang Feifei: "Isn't this a bribe?"

Zhao Dagang smiled, "How can this be considered bribery? We help customers with loans, and give them some preferential interest rates, and they don't show some benefits? They save money, we still have money, and customers are willing to do so, accept it, this is the rule of the trade." ”

Zhang Feifei resolutely did not.

Zhao Dagang was a little unhappy, "If you don't accept it, then even the food you ate at noon will be spit back to Luo Dacheng." Don't look like you're so high-minded, do you think everyone is like Wang Chong, you don't understand the world at all, no wonder you provoked someone in the head office and was demoted to our Chengdong Branch. ”

"This ......"

"Take it, do you think Li Qingquan and Gu Tiande are clean in the bank? If this loan is really put down, the one who can really get the benefits is above, even if something happens, there are people above who carry thunder, and the leader eats meat and we drink soup, which is all a small favor, accept it, so as not to be said to be unkind." By the way, I know a person who recycles famous cigarettes and alcohol, if you want to make a move, I'll send you his phone number later. With that, Zhao Dagang closed the car door, started the car, and walked away.

This is the first time Zhang Feifei has received a gift from a customer, the last time the boss of the New Hope Chapter sent a shopping card, Wang Chong was very resolute refused, and he also warned himself not to have improper transactions with customers, but when he sat down at the wine table, the whole thing had changed.

Throughout the night, Zhang Feifei was working overtime to sort out the loan information, printing out the photos taken by Luo Dacheng and himself, and he always felt a little uncomfortable in his heart, and when he got home, he carefully moved the box of Moutai to his room, first put it in the kitchen, then took it out and put it in the storage room, and finally hid it under the bed, as if he had done something wrong, for fear of being discovered by others.

Lying on the bed, Zhang Feifei couldn't fall asleep over and over, he had always had a good sleep quality, but he had insomnia. Accepting gifts from customers made him uneasy, and he kept persuading himself that this was the first and only time that he would not make an example.

The Credit Examination and Approval Committee, also known as the Credit Examination and Approval Committee, is mainly responsible for on-balance sheet and off-balance sheet credit business, capital lending business, agency credit business, etc., and is the supervision and guidance body for the quality of banks' operating assets. When Donghua Bank was first established, all loans were centralized to the head office for approval, but after Lin Tianhua came to power, he simplified the credit granting process, delegated credit authority, and implemented a three-level loan review committee system of hierarchical authorization of the head office, business department and branch.

According to the asset quality and risk management and control capabilities, each branch is granted different approval authority, such as Wang Chong's Chengdong Branch, due to the low ranking, weak profitability, independent approval authority is only 2 million yuan, because of this, in order to avoid reporting to the head office, the original 20 million loan business applied for by the Poultry Breeding Society, split into more than a dozen farmers, each less than 2 million business.

The loan review committee of the Chengdong branch is composed of five members, three of whom are employees of the risk management department, the remaining two are compliance managers and financial managers, and Gu Tiande is the president, who is not on the list of the loan review committee, but has the right to veto the business approved by the loan review committee.

On the morning of the next day, Zhang Feifei asked Wang Chong to sign the loan application materials and reported them to the risk management department of the sub-branch. The old man of the wind management department is always Gu Tiande's cronies, and he quickly passed the preliminary examination and notified Zhang Feifei to go to the loan review meeting at two o'clock in the afternoon.

Zhang Feifei came to the conference room early to prepare, this is the first business he has handled as the host account manager since he joined the company, co-organizing Li Qiaowei's sick leave, thinking that he will have to face various questions and questions from the members of the loan review committee for a while, Zhang Feifei is inevitably a little nervous.

Wang Chong saw Zhang Feifei taking a deep breath and said with a smile, "It's the first time, it's normal to be nervous, and I slowly get used to it." ”

Zhang Feifei said that he had no confidence in his heart, Wang Chong patted him on the shoulder, "Our Donghua Bank loan review meeting has always had a tradition, the first time the account manager will try his best to make things difficult for you, especially to ask some strange questions, you even doubt life, often some novices will be asked by them at a loss, and it is not for nothing that they are forced to cry on the spot." ”

"Really?"

"You just need to make a statement according to the prepared PPT, this business is handled by you, and you understand the situation, and the normal answer is it. If you can't answer, I'll help you add. ”

According to the rules of procedure of the loan review meeting, Wang Chong should recuse himself from this business, but in actual implementation, in order to ensure that the loan is approved, the person in charge of the business department will generally attend the meeting. The committee members were seated, and strangely enough, Li Qingquan from the First Credit Section also followed into the conference room.

Wang Chong was a little displeased, "It's not your department's business, why are you here?"

Li Qingquan said, "It's okay in the afternoon, come here to learn business with Director Wang, what's the matter, aren't you welcome?"

The meeting went surprisingly smoothly, and after Zhang Feifei finished his statement, the director of the loan review committee and several other members of the committee raised a few innocuous questions, and soon reached a consensus.

Wang Chong listened to Zhang Feifei's statement and defense, while reading the loan information, when talking about profit calculation, he suddenly found a problem, that is, the cost price of each catty of broiler chickens is 3.7 yuan, the market price is about 4 yuan, and the purchase price given by the breeding society is 4.2 yuan, from the perspective of farmers, their profits can definitely cover the loan, but from the perspective of guaranteeing the enterprise of poultry breeding, this business model, must be a loss-making transaction.

"This model is a bit quirky. Wang Chong was suspicious in his heart, he calculated, if this continues, the bird breeding society will lose more than 3 million yuan a year, and in the financial report of the bird breeding society, he found that there is a non-operating income of 5 million yuan in the table, it is this income that makes the profit of the entire breeding society positive, which is the part he ignored before.

Since Gu Tiande had already said hello to this business, the director of the loan review committee didn't want to waste too much time, so he said, "We have generally understood the situation, if the committee members have no other questions, let's vote next." ”

"Wait!" Wang Chong stood up and said, "I found a question, please ask Zhang Feifei to answer it." ”

As soon as these words came out, everyone looked at Wang Chong.